Cba of A

Wheaton, IL · Charter 22278

Q4 1997

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2

Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 1997, the quarter ended December 31, 1997, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Wheaton, IL · Charter 22278

Q4 1997

$1.2MAssets

$318KLoans

$1.1MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

3.49%-87 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	4.37%	4.46%	3.70%	3.56%	3.49%	-87 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	-10.55%	2.21%	9.17%	14.31%	n/a
Loan Growth (YoY)	n/a	5.35%	-3.23%	-26.84%	-29.60%	n/a
Share Growth (YoY)	n/a	-13.82%	0.48%	8.62%	15.52%	n/a
Asset Quality
Delinquent Loans / Loans	2.64%	4.93%	2.53%	2.85%	5.86%	+323 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	3.51%	2.69%	1.58%	2.38%	2.91%	-60 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Shares	46.74%	47.97%	44.66%	36.22%	28.49%	-1,825 bps
Liquid Assets / Assets	50.11%	54.02%	54.56%	63.49%	71.65%	+2,154 bps